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Maryland Car Insurance

Maryland state sign
Here's what you should know...
  • Maryland is one of America’s 20 no-fault states, so drivers have special car insurance requirements.
  • There are plenty of great auto insurance discounts for Maryland residents based on age, gender, occupation and even grades in school.
  • The minimum liability requirements for Maryland state drivers is 20/40/15.

Adequate Maryland car insurance coverage is important when it comes to protecting your vehicle and your financial well being. When you start up your car and leave your house each morning for the commute to work, the last thing on your mind is probably what you would do if you got into an accident with another driver.

Aside from potentially injuring yourself or someone else, accidents take their toll on your car, which could halt your entire life. Because car accidents can be so destructive and expensive, the state of Maryland has established policies and requirements for how drivers should protect themselves.

Read through this Maryland car insurance guide and then enter your MD zip code above for your free car insurance comparison!

Maryland Is a No-Fault State

Teenage Driver Making Phone Call After Traffic Accident

If you’re looking for car insurance in Maryland because you’ve recently moved there, or are thinking about moving there in the near future, you should know that the state operates under a no-fault policy, which is different from almost every other state in the country. Under a no-fault policy, which means that no matter who is found to have caused the accident, all drivers involved in the event must see compensation for medical expenses from their own insurance company. Because of this policy, all Maryland drivers are required to carry personal injury protection (PIP) insurance, which may cover:

  • Emergency medical bills
  • Rehabilitation costs
  • Compensation for lost wages while out of work
  • Funeral expenses
  • Family benefits

Liability Insurance Requirements in Maryland

Although all Maryland drivers are responsible for providing their own MD car insurance coverage in the event that they are injured in an accident, that’s not the only coverage they’re required to have in order to operate their vehicles legally. Maryland also requires that all drivers carry liability insurance so that if they cause an accident, the other driver(s) will be able to seek compensation for the damages. Minimum liability requirements are:

  • $20,000 for the medical expenses of a single occupant involved in the accident
  • $40,000 for the combined medical expenses of all of the individuals riding in the vehicle at the time of the accident
  • $15,000 for any property damages resulting from the accident, including public property like road signs and private property like the other vehicle’s involved

Maryland Car Insurance Discounts

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These days, everyone is looking for a way that they can keep their expenses down, including the cost of car insurance. Many people don’t know that they can get discounts on their auto insurance, and this is because it’s not usually something that the sales representative on the phone will tell you when you call to get a quote. Read over the criteria below, and if you feel that you qualify for one or more of these common discounts, be sure to ask your sales rep if they are offered.

Online Maryland Car Insurance Quotes

To get free Maryland auto insurance quotes online, just enter your zip below! After providing us with some basic information, we’ll send you competitive quotes from the top insurance providers in your area.

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